Is the new extra PF deduction from your salary worth it? The way we see it, there isn’t one answer for everyone. If you’re 25, that extra contribution has decades to grow. If you’re 50, the same deduction has a much shorter runway before retirement. Take someone earning ₹20,000 basic + DA and entering EPFO coverage now. ₹2,400 gets deducted from the employee every month, while the employer contributes another ₹2,400 across EPF and EPS. So yes, the immediate impact is simple: your in-hand salary comes down. But for a 25-year-old, those contributions could get around 35 years to compound. Assuming constant contributions and 8.25% EPF interest, the EPF corpus can grow to roughly ₹76.5 lakh by age 60, along with an estimated EPS pension of around ₹10,000 per month. That is where the long-term case for the deduction starts looking much stronger. Now take someone entering EPFO coverage at 50 with the same salary. With only around 10 years left until retirement, the same contribution structure builds roughly ₹5.8 lakh in EPF, along with an estimated EPS pension of around ₹2,857 per month. The deduction is still real today, but the money simply has much less time to grow. One important caveat: this comparison is for someone entering EPFO coverage at those ages. An existing 50-year-old EPF member may already have decades of contributions and an existing corpus, so their situation should not be compared as if they are starting from zero. So we wouldn’t look at the new ₹25,000 wage ceiling only as “more PF deduction = lower salary.” For someone early in their career, the trade-off can make a lot more sense because time does most of the heavy lifting. For someone much closer to retirement, the benefit is still there, but the equation is naturally tighter. If you’re unsure how the new wage ceiling affects your own salary, EPF or EPS contributions, book a call with a FinRight PF expert and get your case checked. #EPFO #EPF #ProvidentFund #RetirementPlanning #SalariedEmployees

Yesterday, we received two very different customer experiences. Together, they reminded us why we started FinRight. Proshanto’s case was one we could not resolve. He had almost given up on recovering his PF, and despite our efforts, the case reached a point where the outcome was beyond our control because of the complexity of the process. What stayed with us was his response. He appreciated the effort, the transparency, and the fact that we were honest about what we could and could not do. He even chose to share his experience publicly. We don’t shy away from cases like this. Our promise is simple: if we cannot deliver what we committed to, we refund the full amount. Then there was Vadivel. His PF history had been complicated for more than 7 years. Multiple UANs, stuck transfers, EPS issues and accounts that needed to be consolidated. After around 1.5 months of persistent work, the issues were finally untangled. And yesterday, the money reached his bank account. Two completely different outcomes on the same day. One reminded us that persistence does not always guarantee a resolution. The other reminded us why persistence matters. What we promise our customers is straightforward: we will explore every possible route, follow up consistently, and communicate honestly throughout the process. Some cases are resolved quickly. Some take months. And sometimes, despite every possible effort, the final outcome may still not be in our hands. We’re fortunate to have a team that continues to show up and do the difficult work behind the scenes. And to everyone who trusts us with something as important as their hard-earned PF, thank you.